Manager Management
Resume:
Professional Resume
Alan W. Rau
Westminster, CO 80031
(H) 303-***-****
(C) 303-***-****
Career Highlights: Over 35 years in the lending industry with in-depth
experience in Direct and Indirect Consumer lending, Mortgage Banking and
Commercial Banking. A successful career in multiple management capacities
including: Consumer Finance Branch Management and District Supervision;
Mortgage Banking as Secondary Marketing Executive with direct endorsement
underwriting background for FHA, VA and Conventional Mortgages; Indirect
Dealer Retail Financing and Wholesale Floor Plan Management; Lender
Consulting; Commercial and Consumer Loan Collections; Workouts and Asset
Management.
Educational Background: Attended Utah State University and the University
of Oregon. Completed continuing education courses throughout career
including those related to marketing, futures and hedging strategies (for
secondary marketing), financial statement analysis, compliance, collection
law, mechanics liens, and effective negotiating.
Employment History:
Summary for past ten years: Special Assets Management including expertise
in legal remedies, restructuring and note sales.
Community Banks of Colorado, a Division of NBH Bank, N.A.; 2011 to present:
Vice President, Special Assets Officer. My current portfolio is $40MM
with 105 accounts. All accounts are managed to payoff, settlement, note
sale or rehabilitation/upgrade.
Custer Bancorp; 2009 to 2011: Vice President, Senior Portfolio Manager.
On contract with Bank of Choice as a Loan Workout Specialist. I had a
working portfolio of between $15MM and $20MM in loans. In 2011 handled all
Special Assets for First State Bank of Colorado (owned by Custer Bancorp).
Supervisor: Buford Thompson, President.
FirsTier Bank; 2008 to 2009: Vice President, Special Assets Manager.
Duties: In addition to the similar responsibilities performed at Heritage
Bank I was also responsible for the Central Loan Operations Department
including document preparation and systems.
Heritage Bank; 2004 to 2007: Manager, Special Assets. Duties:
Responsible for collection of all 60 day-plus past due commercial and
consumer accounts and workout of problem credits. Worked successfully with
all lenders and Operations Managers to train and coach on collection of
past due accounts. Performed loan reviews and recommended grade changes
when appropriate. Responsible for managing all serious problem accounts and
assignment/follow-up for legal action, foreclosure, repossession,
liquidation of collateral, and assignment and tracking of post charge- off
collections. Significantly minimized losses to the bank through prompt
follow-up and effective negotiations in the sale of assets. Supervisor:
Robert L. Davis, Jr., Executive Vice President.
Banking Consultant; 2003 to 2004: Consulting business with contract work
for North Valley Bank and Heritage Bank in problem loan collections, work
outs, and post charge off collection assignments. Contacts: Blake Feik,
North Valley Bank; Robert L. Davis, Jr., Heritage Bank.
North Valley Bank; 2001 to 2002: Assistant Vice President-Loan Officer.
Managed a $15 million portfolio consisting primarily of consumer loans.
Developed Direct and Indirect consumer loan business. Supervisor: Blake
Feik, Executive Vice President.
Rauco-Western Company; 1990 to 2001: Owner, self-employed. Diversified
company involved in Bank Consulting, retail vending operations, special
financing (sub-prime) with auto dealership, sales in the auto and RV
industries.
Western Mortgage Loan Corp/United Savings; 1987 to 1990: Regional Manager.
I supervised 6 mortgage loan production offices in three states. On my
recommendations, this Utah based company withdrew and closed its operations
in Colorado and New Mexico because they chose not to take pricing market
risk in order to be competitive. I was offered a position at their Utah
headquarters but chose to remain in Colorado. Supervisor: Mary Ann
Garner, Vice President.
Great Western Financial Services/Aristar Mortgage Corp/Blazer Financial
Services, Divisions of Aristar, Inc. and Great Western; 1974 through 1978
and1980 through 1987: Vice President-Marketing, Mortgage Operations,
Consumer Finance Division, Aristar, Inc. I began my career as a field
representative with Blazer Financial Services and completed the Manager
training program in 1976. My first management assignment was in
Westminster, Colorado in June, 1976. I was promoted to management of the
largest branch in Colorado in January, 1977. After returning to Blazer in
1980 after working for Citicorp (shown below) I moved to Florida to be part
of a stand-alone mortgage lending division. After several promotions, I
became the Vice-President, Secondary Marketing and provided marketing
support and sales training for ten successful branch offices in Colorado,
Oklahoma, and Florida. After Great Western acquired Aristar, Inc. in 1983,
I moved back into the Consumer Finance Division as Vice President, Mortgage
Lending to support over 450 branches in developing portfolio mortgage
loans. This was a highly successful endeavor that included a formal
incentive program, newsletter, and on-site training of field personnel.
Citicorp Person-to-Person; 1978 to 1980: Account Manager-Indirect.
Starting as an Account Executive (personal lender) I was promoted to
Account Manager-Indirect. I was responsible for developing and managing
indirect business from RV, Marine, and Land-Mobile Home dealers in two
states. I left my employment with Citicorp to return to a great
opportunity with Aristar, Inc. in Florida.
References:
Chuck Johnston, President/CEO, North Valley Bank. 303-***-****
Doug Brown, Attorney at Law: Brown, Berardini & Dunning. 303-***-****
Marlene Wade, SVP, Operations, Solera Bank. 303-***-****
Additional references are available on request.
Contact this candidate